
2445 OLD HICKORY TREE ROAD, ST CLOUD, FL, 34772
Pending29 days on marketListed Jun 26, 2026MLS #S5152379
About this home
2445 OLD HICKORY TREE ROAD
Situated on 4.42 acres, this beautifully maintained 3-bedroom, 2-bathroom home offers the perfect combination of privacy, functionality, and country charm. Positioned on a desirable corner lot, the property provides plenty of space to spread out while offering endless possibilities for outdoor living, recreation, or future expansion. Inside, you'll find a spacious and inviting layout featuring two separate living areas, providing flexibility for everyday living and entertaining. The open kitchen offers abundant cabinetry, generous counter space, stainless steel appliances, and custom built-in shelving, creating both style and functionality. Just off the main living area, elegant French doors lead to a versatile second living room or formal dining room, allowing the space to adapt to your lifestyle. Large windows throughout the home fill the interior with natural light, creating a bright and welcoming atmosphere. The spacious primary suite provides a relaxing retreat, while two additional bedrooms offer comfortable accommodations for family or guests. Both bathrooms are thoughtfully positioned for everyday convenience. Step outside and discover an abundance of organic fruit trees along with organically enriched soil, creating an ideal environment for gardening, homesteading, or enjoying your own fresh harvest. With plenty of additional room for recreational activities, animals, equipment, or future improvements, the possibilities are endless. A detached garage/workshop provides valuable space for storage, hobbies, or projects, while the mature trees and expansive grounds create a peaceful setting with added privacy. If you've been searching for acreage with a move-in-ready home, versatile living spaces, and endless potential, this property is an exceptional opportunity. Enjoy the privacy of country living while remaining just minutes from shopping, dining, schools, the Saint Cloud Lakefront, and major roadways for an easy commute.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,456
Sqft
4.42 ac
Lot size
2
Garage
1979
Year built
One
Levels
$464
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,317 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,317/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+65.8%
$/sqft vs ACREAGE & UNREC
$464 vs $378
Days on market
29 vs 33 typical
Where $464/sqft sits among the 117 homes for sale in ACREAGE & UNREC
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
42 of 117
ACREAGE & UNREC have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 82% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2445 OLD HICKORY TREE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$215,000
33254 OAKWOOD ROAD · same community
3 bd · 2 ba · 1,456 sqft · $148/sqft · 294 DOM
Sold · Dec ’25$248,000
499 W BALTIMORE DRIVE · same community
3 bd · 2 ba · 1,366 sqft · $182/sqft · 12 DOM
Sold · Dec ’25$322,000
289 E MAINE AVENUE · same community
3 bd · 1.5 ba · 1,564 sqft · $206/sqft · 120 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 2445 OLD HICKORY TREE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2445 OLD HICKORY TREE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2445 OLD HICKORY TREE ROAD FAQs
What would the monthly payment be for 2445 OLD HICKORY TREE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,317/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 2445 OLD HICKORY TREE ROAD?+
The most recent tax bill on record (2025) was $3,136. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $675,000, this home is listed about 59% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2445 OLD HICKORY TREE ROAD?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5152379.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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